titus coin · ⓒ titus invest ltd. whitepaper v 1.05 this document may be altered. the latest...

TITUS COIN

Focus on coin usage

The world’s largest merchant acquisition team

Real value for merchants

Decentralized blockchain Open source code

V 1.05

ⓒ Titus Invest Ltd. Whitepaper v 1.05 This document may be altered. The latest available

version will always be found at www.tituscoin.com

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DISCLAIMER - IMPORTANT NOTICE: Please read the following notice carefully before

proceeding to read this White Paper document (“White Paper”) prepared by Titus Invest

Limited (“Company”). This notice applies to all persons who read this document. Please note

this notice may be altered or updated. The White Paper has been prepared solely in respect

of the Company's crowd sale of the Titus Coins (“TTS”) via an Initial Coin Offering (“ICO”). No

shares or other securities of the Company are being offered for subscription or sale in any

jurisdiction pursuant to the White Paper. The White Paper is being made publicly available for

information purposes only and does not require any action to be taken by the general public

or shareholders of the Company. The White Paper does not constitute an offer or invitation to

any person to subscribe for or purchase shares, rights or any other securities in the Company.

The shares of the Company are not presently being offered to be registered under the

Securities Act of any country, or under any securities laws of any state. THE COINS

REFERRED TO IN THIS WHITE PAPER HAVE NOT BEEN REGISTERED, APPROVED, OR

DISAPPROVED BY THE US SECURITIES AND EXCHANGE COMMISSION, ANY STATE

SECURITIES COMMISSION IN THE UNITED STATES OR ANY OTHER REGULATORY

AUTHORITY NOR HAVE ANY OF THE FOREGOING AUTHORITIES EXAMINED OR

APPROVED THE CHARACTERISTICS OR THE ECONOMIC REALITIES OF THIS COIN

SALE OR THE ACCURACY OR THE ADEQUACY OF THE INFORMATION CONTAINED IN

THIS WHITE PAPER UNDER, THE U.S. SECURITIES ACT OF 1933 AS AMENDED, OR

UNDER THE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OF AMERICA

OR ANY OTHER JURISDICTION. PURCHASERS OF THE COINS REFERRED TO IN THIS

WHITE PAPER SHOULD BE AWARE THAT THEY BEAR ANY RISKS INVOLVED IN THE

PURCHASE OF COINS, IF ANY, FOR AN INDEFINITE PERIOD OF TIME.

FORWARD-LOOKING STATEMENTS: Some of the statements in the White Paper include

forward-looking statements that reflect the Company's and/or the Management current views

with respect to product development, execution roadmap, financial performance, business

strategy and future plans, both with respect to the Company and the sectors and industries in

which the Company operates. Statements that include the words ''expects'', ''intends'', ''plans'',

''believes'', ''projects'', ''anticipates'', ''will'', ''targets'', ''aims'', ''may'', ''would'', ''could'',

''continue'' and similar statements are of a future or forward-looking nature. All forward-looking

statements address matters that involve risks and uncertainties. Accordingly, there are or will

be important factors that could cause the Group's actual results to differ materially from those

indicated in these statements. These factors include but are not limited to those described in

the part of the White Paper entitled ''Risk Factors'', which should be read in conjunction with

the other cautionary statements that are included in the White Paper. Any forward-looking

statements in the White Paper reflect the Group's current views with respect to future events

and are subject to these and other risks, uncertainties and assumptions relating to the Group's

operations, results of operations and growth strategy. These forward-looking statements

speak only as of the date of the White Paper. Subject to industry-acceptable disclosure and

transparency rules and common practices, the Company undertakes no obligation publicly to

update or review any forward-looking statement, whether as a result of new information, future



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developments or otherwise. All subsequent written and oral forward-looking statements

attributable to the Company or individuals acting on behalf of the Company are expressly

qualified in their entirety by this paragraph. Prospective buyers of the Titus Coin should

specifically consider the factors identified in the White Paper that could cause actual results

to differ before making a purchase decision. No statement in the White Paper is intended as

a profit forecast and no statement in the White Paper should be interpreted to mean that the

earnings of the Company for the current or future years would be as may be implied in this

White Paper. By purchasing the Titus Coin I hereby acknowledge that I have read and

understand the notices and disclaimers set out above.

IMPORTANT

You are not eligible and you are not to purchase any Titus Coins (“TTS”) if you are a citizen or

resident (tax or otherwise) of Singapore, or other Singapore Person. “Singapore Person” is

generally defined as a natural person, residing in the Singapore or any entity organized or

incorporated under the laws of Singapore.

You are not eligible and you are not to purchase any TTS if you are a citizen or resident (tax or

otherwise) of the People's Republic of China ("PRC"), or other PRC Person. "PRC Person" is

generally defined as a natural person, residing in the People's Republic of China, or any entity

organized or incorporated under the laws of the People's Republic of China.

Furthermore because of current regulatory uncertainty and before additional information is

publicly released by the Platform on the matter, green card holders of the United States or

citizens or residents (tax or otherwise) of the United States of America, Singapore or China, or

other U.S., Singapore Person or PRC Person, are not eligible to register as Continuous

Contributors as it’s described in the White Paper below. That limits the ability of U.S.,

Singapore, PRC persons to utilize TTS and participate in the future development of the coin

usage.



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TITUS INVEST LIMITED

ICO SUMMARY

Coin name Titus Coin (the “Coin”)

Coin ticker TTS

Coin symbol Ŧ

Coin Fractions 1 TTS = 1 TTS

0.001 TTS = 1 mTTS = "millititus"

0.000001 TTS = 1 µTTS = "microtitus"

0.00000001 TTS = 100000000th TTS = 1 Hugo

Coin Technology Blockchain

Coin owner Titus Invest Limited (incorporated and registered in Malta with

registered number C 81823)

Coin sale target Hard cap from the ICO at Euro 335 million

Total Coins issued Total: 402,572,000 Coins VIP Coin Sparkassa 200,000,000 Initial Coin Offering 100,000,000 Held for the Titus Exchange reserve 100,000,000 Funds initial TitanNode network 2,572,000

Coin price TTS pricing will be in tranches ranging from €1.00 to €5.00 sold over

five weeks or until all coins are purchased

Use of proceeds Funds from Coins sale will be used as follows, if all 100,000,000 TTS

are purchased:

1. €59,125,000 will be used in Titus Invest Ltd to build the

company and technology.

2. €275,875,000 will be added to The Fund used to back up coin value.



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Coin distribution 100% Public (of all coins created)

Lockup period Management and employees undertake a lockup period. No sale,

transfer or pledge of Employee coins will be permitted during the

lockup period. The lockup period will begin from the 1st day after the

Embargo Period ends and will allow a phased release of coins over

six months.

Embargo Period The Embargo Period will see all coins held in escrow for a maximum

150 days from the completion of the ICO which will be at the latest

start on 19th November. Embargo Period ends at the earliest of the

launch of the Titus Exchange or 17th April 2018

Coins transfer Coins will held in escrow upon payment confirmation. Purchased

coins will not be active during the ICO and for the Embargo Period.

Once the Embargo Period has ended coins will be credited to the

purchaser’s account at the Titus Exchange where they will be freely

tradable.

ICO timeline Opens 15th October 2017 0900hrs CET

Closes 19th November 2017 2100hrs CET or when 100,000,000 coins

have been purchased.

Blocked

Countries

Individuals or legal persons residing in the following countries may not

participate in the ICO:

United States of America

China

Singapore

South and North Korea



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INDEX

ICO Summary 4

INDEX 6

Executive Summary 8

Timetable 9

Titus Coin ICO Pricing 10

Escrow Period 11

Allocation of ICO Proceeds 12

Mined Coins for the ICO 13

How to Pay for the Titus Coin 13

Fiat money purchases: 13

Crypto currencies payments: 14

Abstract 15

Time Line: 17

Future Milestones: 17

Reasons to choose the Titus Coin 18

The Titus Coin Story 19

The Titus Coin – How it will work 20

How the four weaknesses in cryptocurrencies have become Titus Strengths 22

It is cumbersome 22

Transactions are too slow for over the counter payments 22

Valuation between crypto and fiat fluctuates too much and creates financial risks for the merchant 22

Mass adoption 22

SYSTEMS INFORMATION 23

X11 23

SECURENVOY 24

Technical Architecture 25

Titan Nodes: 25

Mining 25

Titus Community 28

TITUS COMMUNITY FLOW 30



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GLOBAL ROLL-OUT 32

TITUS SERVICES 32

TITUS APP 32

SINGLE SIGN ON 33

Titus e-wallets 33

External wallets 33

Titus wallet 33

Titus PAPER wallet 34

Titus MERCHANT INVOICE SYSTEM 34

Titus Merchant Acquisition Strategy 35

Merchant Systems 36

VIP Coin Sparkassa 37

Investment Committee 38

Investment Committee Members 39

Revenue streams 40

Merchant Transaction Fees: 40

Merchant Cash Back 40

Exchange Fees 41

Profit Share with the Titus Community 42

CASH WALLET 43

Coin Wallet 43

Mastercard 43

The Titus Exchange – Payens 44

Transaction Fees 45

Customer Services 46

Pilot Merchant Clients of the Titus Coin 47

Online Shop 47

Offline shop 47

The Aragon Rift 48

GMS 48

Property Time Share Business 49

Corporate structure 49



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TITUS Management TEAM 50

Company Details 50

Risk Factors 50

EXECUTIVE SUMMARY

Titus Coin (TTS) is a cryptocurrency that is issued with one purpose: To secure

massive usage.

Titus Coin addresses the main hurdles cryptocurrencies face and which are reasons why they

have not been adapted by more merchants and individuals. These issues are broadly the

following:

• Slow transaction speeds disqualify cryptocurrencies from becoming a mainstream payment solution for over the counter payments

• Volatile valuation between cryptocurrencies and fiat money as well as cumbersome conversion from cryptocurrency to fiat currencies, makes merchants reluctant to accept cryptocurrency payments

• Cumbersome e-wallet setup and use of payment solutions

• Lack of merchants

Titus Coins offer:

1. Merchants (online and offline) the ability to accept a cryptocurrency through a simple

system

2. Instant Payments for merchants and also transfers between individuals

3. Fiat and asset backed currency with lower volatility and instant conversion

4. User friendly App based payments

5. Merchant dynamic marketing systems to help drive sales

6. Merchant settlement with no rolling reserve

7. No charge backs

8. Bank standard security

9. A sustainable solution backed by assets

10. Guaranteed buy back at market price after escrow period

11. Dedicated sales force promoting TTS to merchants and individuals

12. Strong technical team

To obtain acceptance and usage, a community of thousands of people globally are being

educated to secure affiliated merchants who accept TTS as a payment method. This is the



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Titus Community. Effectively an army of independent commission only sales people opening

up TTS to the world.

Other people who have not joined the Titus Community can obtain TTS via this ICO or later

from the Titus Exchange that will be launched in early Q1 2018.

TTS is backed by fiat currency and other assets, held and managed at a Swedish regulated

entity, which leads to reduce risk or large fluctuations in value and speculation. A significant

proportion of the funds that are raised through the ICO will be deposited in a Fund that will be

invested and will in turn back the underlying value of TTS. A proportion of the Fees earned by

transactions of TTS will also contribute into the Fund and increase the value of assets held.

Transactions with TTS are instant by smartphone App and the merchant/recipient has the

option to instantly convert to fiat currency.

A strong experienced technical team will be responsible for the day to day running of TTS as

well as launching a number of functions which will improve the use of TTS and the focus is on

simplicity and security.

A two level transaction security system is in place for all TTS transactions.

Coin security is of the similar standard to the major banks.

All TTS transactions are instant due to the SuperNode structure developed by Titus Invest

which insures fast confirmation for both online and in store transactions.

TIMETABLE

The ICO will commence on 15th October 2017 at 0900hrs CET

Purchases can be made by registering at www.tituscoin.com

The closing date of the ICO is 19th November 2017 at 2100hrs CET or when all allocated coins

are sold, whichever is the first.

http://www.tituscoin.com/



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TITUS COIN ICO PRICING

Pricing of TTS will be based on the following tranches depending on amount raised or time.

The price will increase either once the total number of coins have been purchased at that

tranche’s price or the time period has elapsed.

Tranche Titus Coin

Price

Total Amount Total number

of TTS

Time available

1 €1.00 €10,000,000 10,000,000

0900hrs CET 15th

October 2017 to

0900hrs 22nd October

2017

2 €2.00 €40,000,000 20,000,000

0900hrs CET 22nd

October 2017 to

0900hrs 29th October

2017

3 €3.00 €75,000,000 25,000,000

0900hrs CET 29th

October 2017 to

0900hrs 5th November

2017

4 €4.00 €60,000,000 15,000,000

0900hrs CET 5th

November 2017 to

0900hrs 12th

November 2017

5 €5.00 €150,000,000 30,000,000

0900hrs CET 12th

November 2017 to

0900hrs 19th

November 2017

TOTAL

€335,000,000 100,000,000

Any coins that are still unsold at the end of the time period for each tranche will be

escrowed. They will not rolled over to be made available at the next tranche price. At

the end all unsold coins will be destroyed.



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ESCROW PERIOD

TTS Coins that are purchased in the ICO will be escrowed from purchase date and for a

maximum of 150 days (“escrow period”) from closing date of the ICO that will be at the latest

19th November 2017. If 100,000,000 TTS are purchased before 19th November 2017 then the

date of the closing of the ICO will be the start of the escrow period.

The escrow period will end with the launch of the Titus Exchange or 17th April 2018, which

ever comes earliest.

Upon the end of the escrow period, the TTS will be deposited into the Titus Exchange Wallets

of those who have purchased the coin during the ICO.



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ALLOCATION OF ICO PROCEEDS

Tranche Allocation to

the Fund

VIP Coin

Sparkassa Fund

Amount

Company

Operating Capital

Amount

1 60% €6,000,000 40% €4,000,000

2 62.5% €25,000,000 37.5% €15,000,000

3 72.5% €54,375,000 27.5% €20,625,000

4 80% €48,000,000 20% €12,000,000

5 95% €142,500,000 5% €7,500,000

Total €275,875,000 €59,125,000

Management will utilize the operating capital raised via the ICO to build a global company

and implement all the elements outlined below in the Timeline to deliver a successful

sustainable mass usage cryptocurrency.

The use of funds designated as Company Operating Capital will be split along the following

lines:

40% - technical development

40% - marketing and business development

20% - company operations



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MINED COINS FOR THE ICO

There are 100,000,000 Titus Coins pre-mined to be distributed during the ICO period.

If, by the end of the ICO period, less than the allocated number of coins are sold, the

remaining pre-mined coins will be destroyed by using the OP_RETURN command.

OP_RETURN is a script opcode used to mark a transaction output as invalid. Since any

outputs with OP_RETURN are provably unspendable, OP_RETURN outputs can be used to

burn Titus Coins. After the ICO is over and the leftover Titus Coins has been destroyed,

anybody can verify this by checking the blockchain.

HOW TO PAY FOR THE TITUS COIN

Fennas Finance AB in Sweden will manage the payments and VIP Coin Sparkassa

Financial Union will manage the issuing of coins.

FIAT MONEY PURCHASES:

Coins may be purchased via MasterCard cards or VISA cards via Fennas Finance AB. This

function is limited to €2,000 per card.

To purchase more than €2,000 worth of coins or for those who prefer to send money via wire

transfer, the following bank details may be used:

Send the funds to Fennas Finance AB. When Fennas receives the payment, the money is

added to your Fennas Finance e-wallet. You can then go to www.tituscoin.com and

purchase the Titus Coins from that site using existing Fennas funds to make the payment.

To ensure that you have the money available for instant purchase, funds may be deposited in the period before the ICO opens, to Fennas Finance and kept in an a personal EUR e-wallet for you until payment can be done.

When you send the money to Fennas, please use your mobile phone number as

reference.

For payments in EUR only:

Account Name: Fennas Finance AB

Address: Gronstadvagen 20, 181 43 Lidingo, Sweden

Bank Name: SEB

Bank Address: SEB, 106 40 Stockholm

IBAN: SE3550000000059378267076

Account: EUR 5937 82 670 76

SWIFT/BIC: ESSESESS




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It is possible to send money to upload the Fennas Finance e-wallet prior to the opening of

the ICO on 15th October at 0900hrs CET.

CRYPTO CURRENCIES PAYMENTS:

Titus has also enlisted the services of coinpayments.com to allow for the purchase of coins

using other cryptocurrencies such as BitCoin and some selected Altcoins.

The purchases will be available on www.tituscoin.com




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ABSTRACT

The Titus Coin (TTS) Initial Coin Offering (ICO) is an open offering for a fiat backed based

cryptocurrency that will operate utilizing open source block chain technology. TTS is designed

for everyday use and will incentivize merchants to accept TTS as a payment method as well

coin holders being able to use TTS for peer to peer transaction. The growth of the use of TTS

will be through the Titus Community which is a global members club where individuals are

incentivized to grow the utilization of the TTS and increase the number of merchants who will

accept TTS. The Titus Community is effectively an independent commission only sales force.

The focus is on coin usage and to secure points of sale, online and offline transactions. The

Titus Community was established where members may join and become part of the sales

team to create a large number of international affiliated merchants. As the tool to spread the

use of the coin, an App has been developed which will help the coin owners manage their

payments. There are also advanced marketing features for affiliated merchants, push

notifications of merchants nearby and real-time merchant offers, pokemon-type game

advertising features as well as loyalty program systems to be added to the App.

The Swedish VIP Coin Sparkassa, a regulated financial institution, will be responsible for

holding the underlying assets, fiat currency and other cryptocurrencies and overseeing an

orderly stable valuation. The Sparkassa will also manage the settlement and the payments to

merchants and individuals.

Depending on the amount of funds raised in the ICO, between 60-85% of the funds will be

used to back up the coin value and deposited into the VIP Coin Sparkassa for safe

management and keeping. If 100% of the TTS are sold in the ICO then 74.848% of the funds

raised will be placed in the fund.

The VIP Coin Sparkassa also has an agreement with Titus Community to issue and buy back

coins from the members according to a day to day determined coin value, creating an instant

bridge between the crypto and the fiat world.

Coins will be held in a regulated Swedish institution VIP Coin Sparkassa and it will also

manage the underlying value of assets behind the coin.

In addition to the Titus Community and the VIP Coin Sparkassa, Titus Coin will be the base

currency for a cryptocurrency exchange, Titus Exchange, that will be established where other

currencies will be traded. To buy i.e. BitCoin on this exchange, the customer will buy TTS

which will be used to buy other cryptocurrencies on the exchange. If a customer wish to sell

back coins, there is a spread between buying and selling which will add value to the Titus fund

managed by VIP Coin Sparkassa and as such increase the coin value.



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Titus Invest will also offer TTS holders to participate in pooled fund that utilizes proprietary

software for algorithm trading in cryptocurrencies may be used. This will allow TTS holders,

who wish to be involved in the trading of currencies but may lack the knowledge or skill to do

so.

Transaction fees from coin usage and exchange fees combined with the money earned from

Titus Community Loyalty programs will be added to the backup fiat currency assets used to

underpin the coin value. Merchants will also offer cash-back and discounts from transaction

back to be added to support the coin’s valuation. The value of the underlying assets supporting

TTS will be audited and published.

There are two main reasons why the Titus Coin will revolutionize payments with

cryptocurrencies.

1. The first has to do with technology. While i.e. BitCoin payments takes several minutes,

sometimes up to 70 minutes, to clear through the blockchain and therefore being

unsuited for point of sale purchases, the Titus SuperNodes system makes the clearing

almost instant. This is essential in making the payments acceptable. To secure instant

payments and that none of the SuperNodes can block a legitimate transaction, the

TitanNode (a Supernode controlled by Titus Group) will always vote based on 50.1%

of the total available coins.

2. With the fiat back-up and the Titus Community concept, the Titus Coin should be less

volatile than other speculative cryptocurrencies and sudden drops in coin value be

limited. This, together with the possibility to receive fiat currency in real time if

preferred, would remove the resentment seen with many merchants to accept

cryptocurrency payments.



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TIME LINE:

November 19th 2017 - End date for ICO.

December 2017 - Beta testing online pilot merchants.

January 2018 - Launch of Exchange and possibility to trade with free coins (not under

escrow) against fiat money and other cryptocurrencies.

January 2018 - Release of Source Code and opening of mining.

January 2018 – Beta testing with additional pilot merchants.

February 2018 - Version 2 of the Titus Community App released.

FUTURE MILESTONES:

● Titus Community members reside in 33 countries as at 22nd September 2017

● Estimated number of countries to increase to 55 by end of 2017

● Titus App V1.0 launched on 30th September 2017

● First online merchant affiliates in operation 15-30 Dec 2017 - beta (Webgallerian.se)

● Estimated number of merchants by 1st July 2018 to be over 1,000, across 100

countries where Titus Community members are active and where the TTS will be

accepted as means of payment in a growing number of places.

● Payens Exchange launch January 2018

● 3,000 Titus Community members/distributors in place by the end 2017

● 300,000 active coin users by 1st June 2018 growing to 1,000,000 by the end of 2018

With the introduction of the Exchange, an element of liquidity will be added to the coin and an

active management of the coin value will be needed, based on the principles of a central bank.

The VIP Coin Sparkassa will manage the underlying assets backing the value of the TTS and

hold cash, cash equivalents, other cryptocurrencies like BitCoin and some other investments.

Titus Community members are invited to buy coins at 1€ each in a pre-ICO. As at the 30th

September 2017, 1,300,000 million coins have been sold = 1.3 mill € to members in the

community.



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The Members of the Titus Community will be able to earn the right to a share in the profits

from the coin usage and as such also become the real advocates of coin usage. The Titus

Community loyalty program mixed with the advanced mobile app payment and marketing

features will drive the usage as well.

REASONS TO CHOOSE THE TITUS COIN

As means of payment when compared with other cryptocurrencies:

● Backed by fiat money - meaning instant transfers between crypto and fiat

● Instant transactions

● Less volatility

● Accepted by a fast growing number of merchants

● Fiat payout to merchants/recipients as settlement if selected

As a means of payment when compared with other means of payment:

● Significantly lower transaction fees than card payments

● Simplicity in Mobile App payment

● Ability for merchants to push notifications to smart phone to make real time offers

based on geo tag marketing.

● Geo tag facility to allow Titus Coin holders to identify location of merchants who accept

the coin

● Loyalty and cash back programs



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THE TITUS COIN STORY

From the Roman imperial currency to the

currency of the blockchain Empire.

The Titus Imperial Coin was used throughout

the Roman Empire under the emperor Titus

Flavius Vespasianus.

Like the Roman Empire, the use of

cryptocurrencies

and blockchain

technology is

spreading out over the whole world. Today’s Titus Coin shall

conquer the modern world of trade by utilizing the most secure and

versatile cryptocurrency and blockchain based services available.

Titus Coin shall reach the marketplace by being available,

applicable and secure.

Titus Cryptocurrency coins are backed by real value and the bridge

between fiat money and cryptocurrency is covered in the Titus Coin

business model.

The unique three verticals Titus market action, based on Titus Exchange, Titus Community

and Titus ICO, the coin usage is set up to become a major global part of the cryptocurrency

world.

With the Titus Community and its thousands of members, the sales force needed to spread

the Titus coin to merchants globally is secured. With this in place, the new Titus Empire will

be built

Historical Context:

Titus Imperial Coin was minted by the ROMAN EMPIRE during the reign of TITUS. Titus

Flavius Vespasianus, born in 41, was the elder son of Vespasian and Flavia Domitilla. He later

served in Germany and Britain and commanded a legion in his father's Jewish campaign.

When Vespasian left, Titus remained to carry on the war and captured Jerusalem in 70. He

proved himself an excellent leader. Following the natural disasters of 79 and 80 AD, including

the eruption of My. Vesuvius, he initiated efforts to rebuild and to sooth the concerns of the

Roman people. He was deeply mourned when he died prematurely in 81 AD.

Source: http://www.museumsurplus.com/RomanCoinsPAGE1.htm

http://www.museumsurplus.com/RomanCoinsPAGE1.htm



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THE TITUS COIN – HOW IT WILL WORK

Titus coins are introduced in three different ways.

Titus Sparkassa Titus Exchange Titus ICO

200* million Titus coins (TTS)

premined and managed by the

regulated Financial Union, VIP

Coin Sparkassa in Sweden

100 million Titus Coins (TTS)

set aside to be used to allow

fiat money to enter the

cryptocurrency exchange.

100 million Titus Coins

(TTS) issued in an ICO.

For invited members only Open for everybody Open for everybody

Instant transfer between TTS

and EUR at the guaranteed

exchange rate given daily by VIP

Coin Sparkassa.

Members are allowed to buy

€1,000 worth of TTS

Sold per 30th September 2017 =

1.3 mill TTS which have been

escrowed

*2% of the total number of coins

have been set aside to

compensate a number of people

who have contributed to the

establishment of the Titus

concept, including designers,

technical staff and management.

TTS will be the backing

currency in the exchange.

Active trading between

currencies such as BitCoin,

Ethereum, LiteCoin and

others allow for active trading

by members or passive

trading made by the Titus

FXC robot

The funds raised in the

ICO will be used mainly

as a backup for the TTS

underlying value, which

will be set by the VIP

Coin Sparkassa daily.

Between 60-85% of the

funds will be set aside

and the rest will be used

to secure the funding for

future technical projects.

The Titus concept is based on the open blockchain technology which supports Titus Coin

(TTS). All transactions will be managed and verified using this technology to insure safe and

secure record keeping. A total of 50 Nodes and a SuperNode have been established to verify

transactions. Each Node is independent but knows and communicate with all other nodes with

ordinary blockchain-technology. By having a sufficient number of Nodes to avoid and fixing



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but limited to allow the integrity of the system, this allows for transactions to be verified in a

matter of seconds.

A total number of 200 million Titus Coins (TTS) are allocated and being held and distributed

by the Sparkassa exclusively for members of the Titus Community. TTS shall be distributed

via the Swedish, regulated, VIP Coin Sparkassa Financial Union to members of the Titus

Community. VIP Coin Sparkassa shall also hold and manage the EUR fund used as value

backing of the TTS.

This ICO allows members of the public to also participate in the launch of the TTS with 100

million coins available. These will be priced based on the amount raised or the timeframe

during the ICO. At the end of the ICO all unsold coins will be destroyed an no longer available

to be sold at a later date.

Management and employees have been paid in TTS as compensation for work undertaken

prior to the ICO. They will not be able to sell or transfer TTS for 6 months after the end of the

Escrow Period. After the end of the Escrow Period the Management and Employees may elect

to sell coins as follows:

10% of holding after 1 month post the Escrow Period

10% of holding after 2 months post the Escrow Period







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HOW THE FOUR WEAKNESSES IN CRYPTOCURRENCIES HAVE BECOME TITUS STRENGTHS

There are four issues that have reduced the global acceptance of BitCoin and other

cryptocurrencies as means of payment with merchants and points of sale.

IT IS CUMBERSOME

Titus is creating an App based payment service which is simple and intuitive and where

additional services will add to the usage of the coin, customer loyalty and active modern

marketing tools. The additional functionality offered by TTS and the technology around it will

make it user friendly for merchants as well help them drive additional sales and market to TTS

holders.

TRANSACTIONS ARE TOO SLOW FOR OVER THE COUNTER PAYMENTS

Titus transactions are instant and perfect for any person to person or person to business

transaction. Bitcoin is not the slowest payment system in the world (it is actually kind of fast

relative to bank transfers) but it takes some time to confirm transaction with their system. On

average, it takes around 10 minutes to confirm a transaction. Some merchants want to have

the transaction confirmed several times (to be sure that the transfer has been done), this might

take up to 40-70 minutes. However, this works when buying things online because of shipping

time etc allows for the transaction to be confirmed prior to the goods being sent out. It is nearly

impossible to use that for instore purchases or ATM withdrawals. Titus Coin uses an Instant

technology we simple call Instant, using our TitanNodes network to swiftly confirmation of a

transaction.

VALUATION BETWEEN CRYPTO AND FIAT FLUCTUATES TOO MUCH AND CREATES FINANCIAL

RISKS FOR THE MERCHANT

Merchants can choose to include an instant crypto to fiat conversion which practically means

that they are being paid in real time in fiat if they want to. The Sparkassa will be responsible

for maintaining an orderly market in the TTS price on the exchange and will have the authority

to supply additional coins should demand push the price up and also buy back coins if there

is over supply.

MASS ADOPTION

Unlike other cryptocurrencies, TTS has behind it the Titus Community. This is an army of

independent commission only sales people who will be educated via the Titus Academy, to

sign up merchant to accept TTS. They will be given the tools to bring on new merchants and

by doing so benefit from the use of TTS. This will drive more merchants to accept TTS and

thus increase the use of the coin.



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Comparison Bitcoin vs Titus Coin

SYSTEMS INFORMATION

X11

X11 is known as a chained algorithm because it uses 11 different algorithms which are chained

together. These are: blake, bmw, groestl, jh, keccak, skein, luffa, cubehash, shavite, simd,

and echo.

X11 was developed to solve some significant drawbacks associated with previously used

algorithms such as SHA-256 (Used in Bitcoin) or Scrypt (Used in Litecoin, Dogecoin)

The use of 11 different algorithms also increases the security of coins using this method

against brute force attacks. Brute force attacks against coins like Bitcoin is not currently

possible, but may conceivably be possible at some point in the future.

The use of blockchain technology enhances security where it is applied.

In the payment sector it means that people can transfer, in a more secure way than before,

value between each other. There has been stories about hacking BitCoin etc., but this has

not happened in the blockchain. That has never been hacked. The hacking has been on the

entry level, the e-wallet and browser level. The blockchain is military grade encryption.



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Titus understands that average people may not have the necessary security on their

computers or in the way they store passwords and keys. This is normal behaviour for

average people.

SECURENVOY

Titus has implemented a third party, two level security system, for all Titus transactions. By

doing this, using Titus Coins as transfer of value and means of payment has become the

safest way you possibly can make payments.

TTS has engaged with SecureEnvoy (https://www.securenvoy.com) which will provide two

factor authentication.

SecureEnvoy is one of the leading providers of transaction security.

SecurEnvoy joined Shearwater Group plc (the "Group") following the General Meeting of the

Company's shareholders held on the 8th May 2017.

Shearwater Group is an AIM-listed company focused on building a UK based group

providing digital resilience solutions. Its aim is to acquire and develop information security

and cyber security companies with a leading product, solution or service capability whose

full potential can be unlocked through active management and capital investment.

Shearwater Group will deploy a 'buy, focus, grow' strategy to deliver enhanced value

through acquisitions and help to solve the core scaling issues faced by SME information

security and cyber security companies. As a portfolio company, SecurEnvoy will play a

significant role in supporting the Group's strategy of providing digital resilience solutions.

As the original inventors of tokenless authentication, our goal is to continue to design

innovative solutions that take advantage of the users mobile phones or other personal

devices as the "something you own" part of two factor authentication and resolve issues that

have prevented their adoption such as SMS delays, no phone signal or soft token

synchronisation problems.

We believe in leveraging existing infrastructure such as Active Directory and designing

easy to use solutions that do what they say on the tin without unnecessary complexity.

Our innovative approach to the Tokenless® market now sees thousands of users

benefitting from our solutions all over the world. With users deployed across five continents,

our customers benefit from significant reduced time to deploy and a zero footprint approach

means there is no remote software deployment and administrators enjoy the management

tools allowing them to rapidly deploy up to 100,000 users per hour.

https://www.securenvoy.com/



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Our design philosophy is based on re-using existing customer technology investments

such as Microsoft Active Directory, simplifying the end user authentication experience while

enhancing the overall security

With no token manufacturing costs the return on investment (ROI) is so much more

acceptable to businesses and organizations, and environmentally the green benefits of a

zero carbon footprint also attract environmentally responsible purchasers. We are truly now

providing solutions that have zero impact on our environment.

SecurEnvoy distribute through the channel, providing customers the value added

benefits of working with local partners. We continue to expand our technical and sales

infrastructure to support most languages and cultures around the world.

SecurEnvoy continues to shape the way millions of people plan their authentication

requirements and purchasing decisions.

Founded by Andrew Kemshall and Stephen Watts, the two founders work relentlessly to

achieve business growth worldwide. This massive growth has been possible through the

quality of people and the experience within the company.

TECHNICAL ARCHITECTURE

TITAN NODES:

TitanNodes are a decentralized network that is always on. It is controlled by Titus Invest and

the users that want to deposit 5000 TTS. The advantage with this is that we can make almost

instant transactions and use our Incogsend system. The TitanNodes also get the transaction

fee (currently 0.0008%) to make the transaction. The Titus Coins uses a double-tier network

so the ordinary nodes must synchronize its ledger from TitanNodes. This help us confirm and

secure transfers almost instantly.

MINING

The Node structure has been established to insure a fast transaction confirmation system

using the Titan Node structure. However a merchant may wish to elect to allow the wider

community of miners to participate in confirming the ledger in the more traditional manner.

Merchants who elect to utilise the wider community may pay a lower transaction fee but this

will take longer for transaction confirmation to be received.

Total number of premined coins: 402,572,000 coins

200,000,000 Sparkassan

100,000,000 Exchange

100,000,000 Initial Coin Offering



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2,572,000 TitanNodes

Mining goals: 24*60/2.5 = 576 block per day.

We reduce the block-mining-reward with approximant 7.1% every 210240 blocks, so that’s

approximately once per year.

The initial goal is 9 coins per block in mining-reward after the premine-period.

The TitanNodes initial takes 20% of the block-reward but is over time raised to 50%

if(nHeight > nMNPIBlock) ret += blockValue / 20; // 47979 - 25.0%

if(nHeight > nMNPIBlock+(nMNPIPeriod* 1)) ret += blockValue / 20; // 82539 - 30.0%








This means that the TitanNodes takes 50% after approximant 1.5 year, and after that it will

be on 50% forever.

10% of the mining-reward is allocated to a developer budget in the blockchain. These 10%

will be deducted before the TitanNodes and the miners get there reward.

So the TitanNodes payout will be COIN_REWARD*0.9*0.5 when the master nodes get to

50% payout.

Same for the miner reward.

The developer budget will start as soon as the premine is done.

1 TTS = 1 TTS

0.001 TTS = 1 mTTS = "millititus"



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0.000001 TTS = 1 µTTS = "microtitus"

0.00000001 TTS = 100000000th TTS = 1 Hugo

Main Net:

port – 9876

rpcport – 9875

Test Net:

port – 19876

rpcport – 19875

Reg Test:

port – 19994

rpcport – 19993



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TITUS COMMUNITY

Titus Community is an invitation only community. A maximum of 5,000 individuals will be given

the opportunity to become Titus Ambassadors. The Titus Ambassadors buy 1,000 EUR worth

of Titus coins to get the Ambassador status. This will give the Ambassador the right to

participate in earnings of the Titus Community.

This group is the base of the Titus Community global sales force who will recruit merchants

and customers to increase the use of the coin in everyday transactions. They will benefit from

the growth of the number of merchants and individuals using TTS.

The number of new Ambassadors signing up is growing day by day and as at 30 September 2017 there were 1,150 signed up members of the Titus Community. The member growth target for December 2017 is 3,000 members by end of 2017 with a total of 5,000 members by the end of Q2 2018. As at 30th September members have prepaid 1,300,000 million coins @ 1.00€

When 3,000 Ambassador packages are sold, the general Network Marketing will open up. In

this stage members of the Titus Community will be able to personally invite people who wish

to become a part of the Titus salesforce. The salesforce will be systematically trained and

equipped with the tools needed to engage merchants and customers to the Titus network of

TTS users.

The network will be paid a bonus deriving from the use of TTS coins, new merchants and

loyalty agreements made with merchants.

Expected growth in Titus Community is 100,000 affiliates (salespeople) and 1,000,000

coin users by end 2018

Prior to the ICO each Ambassador has paid €1,000 and receives 1,000 TTS coins. Once the

ICO has started on 15th October 2017 then they will receive the number of coins that equates

to the prevailing ICO price. As the ICO price increases the number of coins an Ambassador

will receive will reduce. This will continue until all 4,950 Ambassador positions have been

completed. If there are still Ambassador places available after the ICO has closed then the

prevailing TTS price on the Titus Exchange will be used to calculate the allocation of TTS.

More information about the Titus Community. https://titus.community

TTS reserved for Titus Community members and activities are limited to 200 million coins.

These are all pre-mined and are managed by VIP Coin Sparkassa Financial Union, a regulated

Swedish entity, who sells and buys back coins according to a set of rules agreed with Titus

Community Limited. Ambassadors will be offered a price for repurchasing coins as well as

https://titus.community/



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being able to buy coins. The price will be dictated by the prevailing price on the Titus

Exchange.

Titus Community focuses on making a large marketplace for the usage of the TTS. This is

done both by creating many users with a vested interest in the increased coin usage as well

as creating several app based systems and services to enable customers and merchants a

seamless and innovative mobile payment and marketing service.

The coin value in the Titus Community is determined by the underlying value of real assets

(EUR, other cryptocurrencies and other assets).



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TITUS COMMUNITY FLOW

Titus Community is a member based community. This Community introduces a series of

systems and solutions developed to increase the spread and use of TTS globally.

Members of the Titus Community will benefit financially from the activities and loyalty

programs linked to the use of the Titus Coins (TTS).

1. When a member buys TTS from the Sparkassa, paying with Euros, the Sparkassa keep that

money in the fund. This fund will invest across a number of different asset classes.

2. When a merchant is affiliated with the community, they agree to a loyalty program where

members of the community will get benefits and a cash back which is paid to the Titus

Community. This cash back is divided so that 20% of this is added to the fund backing the

coin value and thereby increase the coin value.

3. There is a sophisticated affiliate reward program for community members to benefit from new

members coin purchases and usage.

The Titus Community started with 50 Founder Members and from that base 4,950 individuals

are invited to take part in the community as Ambassador members. If a Founder Member or

Ambassador decides to sell the TTS that they received from signing up then they lose the right

to participate in the bonus pool. A Founder Member and Ambassador are allowed to purchase

additional TTS but these do not count towards their share in the bonus pool.



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From the Founders and Ambassadors, a global team of independent commission only

salespeople will be fully trained, via the Titus Academy, to build the network of merchants in

different territories. They receive commission for their success and contribution.

A profit sharing system is set up in the Titus Community based on EBITDA.

10% of the EBITDA is shared among the Founder members who each hold 5,000 TTS

15% of the EBITDA is shared among the Ambassador members



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GLOBAL ROLL-OUT

Titus Community will initially be

focused on developing a strong

presence in Europe before

looking to roll out across the

globe. The initial take up has

seen communities develop in

Scandinavia, Spain, Slovakia

and Cyprus. However there are

now Ambassadors in 33

countries and the number is

growing.

TITUS SERVICES

TITUS APP

Titus Invest is aiming to become a leading provider of App based, mobile, global

commerce using the Titus Coin as currency and the members of the community

as sales force to acquire affiliated merchants to the system.

The App roll-out is done in stages. As live testing of each app function requires

a critical number of users, the functions are rolled out in stages. The following

items have been identified on the roll out roadmap:

1. App with SSO (Single Sign On), Community Back Office

access and Marketing Presentation Tool.

Increased functionality and more marketing applications such as video

conferencing, SMS and e-mailing functions.

Titus Mobile Payments is part of Titus e-Wallet but also available as

standalone App. It is a system that allows an individual to send TTS to another

person.

Merchant payment request and customer payment service.

Titus geo-location merchant shopping with push notification marketing

services



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Titus game based merchant marketing function called The Aragon Rift. It's a GPS based

game, with an augmented reality component to it!

SINGLE SIGN ON

A central point is the Single

Sign On (SSO) service which

allows all members/users to

have one secure sign on

service for all functions. This

includes App logon,

Community back office log-

on, Eur e-wallet log-on,

blockchain e-wallet log-on

and log-ons to affiliated

merchant websites.

Based on the membership level (KYC level, Community membership level etc.) the available

services from the SSO will be individualized.

TITUS E-WALLETS

There are two different wallets that may be used in the TTS commerce.

EXTERNAL WALLETS

Downloadable ”Core Wallets” for Windows, Mac and Linux.

TITUS WALLET

Titus e-Wallet is based on an API called Insight which is a well known code source within the

blockchain world.

Insight is fully ported to Titus Coin and is 100%

compatible with Titus Coin.

By installing this technology through the App it will allow

people to buy and sell TTS from their mobile phone.

It will be free for everyone to download, and when a

person registers and logs in, it creates a Titus Account.

If a person has a Titus wallet you may create a Paper

Wallet.



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Titus Coin is not only digital but also analogue via Titus Coin PaperWallet.

TITUS PAPER WALLET

Using Titus Paper Wallet, you can shop with Titus Coin without having

a computer or mobile phone. Alternatively you can print out a Titus

Paper Wallet and give it as a gift voucher.

The system allows a person to import the coins to the e-Wallet as well

as see the balance via the blockchain.

The private key is generated when a Titus Paper Wallet is generated

The Paper Wallet can be designed however we want, so it can be

made into a gift card or other printable items. It has a number of set

presets.

Titus wallets are also prepared for off-line coin storage via i.e. Trezor

units.

Coming on paper.tituscoin.com soon.

TITUS MERCHANT INVOICE SYSTEM

Get paid with Titus Coin online or add Titus Invoice to so that regular invoices are sent offline.

The merchant will receive a notification when the invoice is paid.

This is a part of the Titus new innovations services to be launched when the community

members have reached 100,000 customers or more.

New products are being added to the Titus Coin services.

Before this is rolled out, a closer relationship with a bank for fiat money would be preferred in

order to make payments directly to the merchant’s bank account.



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TITUS MERCHANT ACQUISITION STRATEGY

The key challenge to making TTS the cryptocurrency as the “front of wallet” method of

payment is by building the number of merchants both online and offline that will accept TTS

in exchange for goods and services.

The Titus Community has been set up to attract individuals who wish to engage in the

acquisition of merchants and Titus Coin Users. A sophisticated reward system is created to

remunerate these affiliated members as their efforts leads to more TTS usage.

The total of 5,000 Founders and Ambassadors are the core sales team set out to invite

individuals to become Titus affiliates.

Titus Affiliates are including in a reward system based on the revenue created from the

affiliates efforts. This is based on the company return from loyalty fees from merchants and

transaction fees from the use of the coin.

Titus Invest will also, as part of the use of

proceeds from the ICO, employ a Global Head of

Merchants, whose role will be to develop and

implement a global merchant acquisition strategy

with additional sales people to bring new

merchants on an international basis.

A program has already been started to implement

Titus as accepted means of payment in the large, global payment services company.



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Merchants will be willing to accept TTS as a payment method because:

● It is just as fast in confirming the transaction as traditional card payments

● Transaction fees are lower than the card schemes

● The merchant can either hold the TTS or exchange it for fiat currency

● Opportunities to promote goods and services to TTS holders via the App and online

● The Titus Community will promote merchants through the Ambassadors

● Settlement is instant

● No rolling reserve held by an acquirer

● No charge backs

MERCHANT SYSTEMS

An offline merchant can quickly be able to accept TTS through an App and the ability to read

QR codes. This is the simplest and quickest way to engage a merchant.

As part of the use of proceeds, Titus will be engaging with large terminal providers to have the

TTS integrated into their systems.



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VIP COIN SPARKASSA

VIP Coin Sparkassa is a Swedish Sparkassa, a Financial Union, regulated by Swedish

Banking laws, is responsible for the issuing of Titus Coins and to establish the guaranteed

value of the Titus Coin fund.

20% of all profits made by Titus Invest and Titus Community from the use of the coin, will be

added to the fund which is backing the Titus Coin value.

Neither Titus Invest nor Titus Community is an owner of VIP Coin Sparkassa.

VIP Coin Sparkassa owns 10% of Titus Invest Limited.

http://www.fi.se/sv/bank/sok-tillstand/spar--och-laneforeningar/

The VIP Coin Sparkassa will be responsible for managing the fiat currency that underpins the

value of the TTS. These funds will utilised in a number of different asset classes to generate

a return which will be reflected in the value of the TTS. These different asset classes will vary

in their risk profile and the VIP Coin Sparkassa will not concentrate funds thereby spreading

the risk while generating a return. The Investment Committee will be responsible for the

management of client funds and will utilise external fund management companies to assist in

maintaining a balanced portfolio.

The fund composition will be made up of AAA grade bonds, equities, alternative assets and

cash. Cash management using liquid and termed deposits will be used to insure sufficient

cash is available to customers looking to trade their TTS for fiat but also looking to maximise

returns on funds held. In certain investments leverage will be utilised. All investments will be

through regulated entities with established track records.

The value of the underlying cash holdings and investments will be published by VIP Coin

Sparkassa and displayed on the Titus website www.tituscoin.com

An independent audit company, SME Revision AB in Stockholm, is auditing the VIP

Sparkassa and will provide third party verification to the valuation of the underlying assets

and cash held that supports the valuation of TTS.

An Independent Advisory Committee will be appointed that will also support the executive

management team as an additional resource as well providing further oversight to the VIP

Sparkassa’s performance and adherence to the principles set out for the Titus Coin.

http://www.fi.se/sv/bank/sok-tillstand/spar--och-laneforeningar/




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INVESTMENT COMMITTEE

The Sparkassa Investment Committee will initially be made up of three members who will

oversee the management of the fund and responsible for investment decisions. It will meet

once a month to review the past month’s returns, the asset allocation and any changes to

the funds asset structure as well as allocating any new money that has been received.

The portfolio will be made up of the following assets although other assets may be added over

time:

• Government Bonds

• Global Equities and Indices

• Tracker Funds

• Cash

• Alternative Assets (e.g. hedge funds)

• Property

• Cryptocurrencies

• Private equity

By investing the fund in a number of different assets it will provide a blend of yield income and

capital gains. The balance of the portfolio will change from time to time

If one looks at the major equity indices over the last 5 years they have increased over value.

It is intended that the VIP Coin Sparkassa will make investments with the fund in order to grow

the value which in turn will reflect in the value of the TTS. For example:

Dow Jones Index

Over the last 5 years the Dow Jones Index has risen from 13,090.84 (31 Aug 2012) to

21,892.43 (30 Aug 2017) which is an increase in 67.73%

FTSE 100

Over the last 5 years the FTSE 100 Index has risen from 5,711.48 (31 Aug 2012) to 7,365.26

(30 Aug 2017) which is an increase in 28.95%

The VIP Coin Sparkassa will be able to take on leveraged products to enhance earnings but

will be within controlled risk parameters to meet investment guidelines.



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INVESTMENT COMMITTEE MEMBERS

Edward Evans

Edward has been working in the financial sector for over 28 years, initially for Smith &

Williamson Chartered Accountants before joining HSBC Investment Management in London

as a fund manager within a team investing for both corporate and High Net Worth Individuals

in global markets. He left in 1997 to study full time for a MBA from Cranfield School of

Management specialising in finance and strategy. In 1998 he was involved with a new start-

up company for internet share trading software which was acquired by Knight Securities

International Limited in 2000. In 2002, he joined Cantor CFDs, a division of Cantor Fitzgerald

and was Head of Sales until 2005. On leaving Cantors he helped establish Altair Financial

Services International plc where he was Chief Operating Officer and a Main Board director.

He was also President of the US subsidiary Symmetrex Inc. From 2010 Edward had a number

of assignments providing advice to the main boards of a number of different companies

working in the clean-tech sector, financial services and in social media before, in

2012, establishing Essemtium Capital Limited, an investment company regulated under the

Financial Conduct Authority, which utilises foreign exchange as the asset class. Edward is a

graduate of the University of Southampton United Kingdom (B.Sc. (Hons)) in Politics and

International Studies.

Dr. Henning Witte - Legal Advisor Dr.Witte is the owner of H. Witte KB Rechtsanwalt. He is educated at the Luwig Maximillian University in Munich, German and the University of Uppsala in Sweden. Dr. Witte has represented leading European banks and companies as lawyer and legal advisor. Dr. Wittes speaks German, Swedish, English, French and Russian. Elena Chipkovenska - CFO Mrs. Chipkovenska is educated in Finance and Economics at the University of Gothenburgh and holds the title Civilekonom in Sweden. She also has a degree form Athens University of Economy and Business. Elena is the owner of Sofia Reovisning AB. Through her work as financial consultant she has been advising numerous start-up companies and she has solid experience in a variety of business areas.



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REVENUE STREAMS

There are several sources of revenue into the business which will also contribute to the

growth of the Titus Fund managed by the VIP Coin Sparkassa.

MERCHANT TRANSACTION FEES:

A merchant will pay a very small of 0.0008% of the transaction value.

Merchant cash out:

A. A merchant can either elect to transfer the TTS into fiat currency immediately at the

price the Sparkassa has advertised as a guaranteed price. The merchant will then

receive back fiat currency less 1.5%. The price offered by the Sparkassa will be

related to the prevailing price on the Titus Exchange

B. A merchant can elect to place the TTS coins on the Titus Exchange when an

individual may purchase the TTS from the merchant. The merchant will receive fiat

currency from the exchange less 1%

MERCHANT CASH BACK

Merchants who sign up for accepting TTS will be able to utilize functions developed by Titus

to help promote traffic to the store or website. Several levels om merchant affiliation will be

available with different access to these services. Merchant payments are depending on

service level.

The merchant affiliation levels will vary from a “let’s Deal” kind of affiliation with a large cash

back payment to just accepting Titus Coin as payment with limited fees involved.

They will be able to offer instant sales for a limited time period which will be notified to

registered TTS holders. A store could look to offer a promotion for two hours. They set up

the promotion and this will be distributed to all registered TTS holders who are within a

radius of the business via the smartphone. This will drive footfall to the store and help build

sales. This will utilise geotag technology.

Also utilizing geotag technology a TTS holder will be able to use their smartphone to see

where stores in the locality accept TTS.

Online merchants will also be able to utilize the technology to make push notification offers.



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In return for providing this technology merchants will be offer cash back to Titus Invest which

will be split between the Fund, Titus Invest and the Founders, Ambassadors and affiliates

EXCHANGE FEES

All deposits made to purchase will be subject to 1.5% transaction fee.

All transactions between fiat currency and TTS or between TTS and other cryptocurrencies

will be subject to 0.25% transaction fee.



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PROFIT SHARE WITH THE TITUS COMMUNITY

One of the key objectives of the business is to build a network of merchants who will accept

the TTS. This is where the Titus Community is involved and Founders and Ambassadors are

responsible for building this network. They have paid as they believe in the Titus project and

in building the network they will participate in the profits generated from transactions. If a

Founder or Ambassador sells their TTS that they received when becoming a Founder or

Ambassador then they will forfeit the right to participate in the profits.

So Founders, Ambassadors and affiliates who have been instrumental in building the

merchant network participate in a profit share from revenue generated within the eco-system.

Affiliated merchants may utilize the Titus marketing systems and access to the Titus

Community members in their marketing. Based on how much they use this, Titus will make

profit from fees and transactions and loyalty program agreements. 20 % To strengthen the Titus Coin fund with VIP Coin Sparkassa 30% Corporate development and operations Titus Invest 50% Commission to Titus Community members



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CASH WALLET

This is a Cash BackOffice wallet where members receive EUR from the coins they sell.

COIN WALLET

An e-wallet or downloadable program where the member

keeps their blockchain Titus Coins.

MASTERCARD

Mastercard card issued by a third party bank. TTS holders will

be able to apply for a Mastercard prepaid card and have it

linked to their TTS wallet. This will allow the cardholder to

make purchases in store and online by card at merchants who

have yet sign up to accept TTS directly. The transaction will convert TTS into the required

currency and be authorized in the usual way. The cardholder’s wallet will debited the value of

the transaction in TTS.

This will also allow for the Sparkassa to pay fiat currency directly to the cardholder. Funds can

be instantaneously placed on the card to be used.



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THE TITUS EXCHANGE – PAYENS

The Company has entered into an agreement with Alphapoint Inc to develop and launch The

Titus Exchange called Payens (www.payens.io ) for the buying and selling of TTS as well as

other cryptocurrencies. Alphapoint Inc www.alphapoint.com is a leading provider in web based

cryptocurrency exchanges and examples of their work can be found at www.alphapoint.com.

Alphapoint will operate and manage the Exchange and provide the wallets for coin holders to

utilize when participating in the Exchange. TTS coin holders will be able to transfer TTS from

a “hot” wallet to a cold storage wallet should they so desire.

This will allow third parties, who are not members of the Titus Community to participate in the

price movement of TTS. It will also allow owners of TTS to exchange the coins for fiat currency.

All coins that are purchased during this ICO will be escrowed during the Escrow Period when

the launch of Payens will go live. People who have purchased TTS during the ICO will need

to provide the relevant Know Your Customer documents during the Escrow Period so that

when the Exchange goes live they will be able to activate their account.

Titus Invest has engaged Fennas Finance Ltd who have put in place solid Anti Money Laundry

and Counter Terrorist Funding procedures to insure that the Titus Exchange exceeds the

recommended standards in identifying customers who sign up to the Titus Exchange.

The VIP Coin Sparkassa will be responsible for insuring an orderly market and will be able to

provide additional liquidity if required as well as manage individuals who wish to cash out.

There will always be an option for a coin holder to obtain fiat currency for their TTS should

they request it.

One of the major criticisms of other cryptocurrencies is the major fluctuations in the price of

the coin. TTS is designed to hold a stable valuation because it has underlying assets to

support the market rate. Holders of TTS will be able to understand the value.

The VIP Coin Sparkassa will also hold balances in fiat currencies to enable fast settlement to

merchants who request it. This will enhance the credibility of the system and underline TTS

as a secure payment method.

The VIP Coin Sparkassa will also hold 100m TTS in reserves that will be made available

through the Titus Exchange to meet demand from the general public.

The Titus Exchange will not only be a platform for people to buy and sell TTS, but it will

introduce the ability to trade TTS for other cryptocurrencies after its initial launch. The aim is

for the Titus Exchange to be one of the leading cryptocurrency exchanges in the world.

http://www.payens.io/

http://www.alphapoint.com/

http://www.alphapoint.com/



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TRANSACTION FEES

Order Execution

EXECUTED IN THE LAST 30 DAYS (USD

EQUIVALENT) MAKER FEES TAKER FEES

$0.00 or more traded 0.100% 0.200%

$500,000.00 or more traded 0.080% 0.200%

$1,000,000.00 or more traded 0.060% 0.200%

$2,500,000.00 or more traded 0.040% 0.200%

$5,000,000.00 or more traded 0.020% 0.200%

$7,500,000.00 or more traded 0.000% 0.200%

$10,000,000.00 or more traded 0.000% 0.180%

$15,000,000.00 or more traded 0.000% 0.160%

$20,000,000.00 or more traded 0.000% 0.140%

$25,000,000.00 or more traded 0.000% 0.120%

$30,000,000.00 or more traded 0.000% 0.100%

Maker fees are paid when you add liquidity to our order book by placing a limit order under

the ticker price for buy and above the ticker price for sell.

Taker fees are paid when you remove liquidity from our order book by placing any order that

is executed against an order of the order book.



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CUSTOMER SERVICES

Titus is building a Customer Service Team that will assist merchants as well as other TTS

holders. The operation is based in Spain and will grow to be multilingual. It currently covers

● Spanish

● Norwegian

● Swedish

● English

Additional languages will be added over the course of the next six months based on the

demand.



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PILOT MERCHANT CLIENTS OF THE TITUS COIN

Titus Invest is putting together a number of merchants who will participate in the beta testing

phase with them to ensure a robust transactional system is ready to be rolled out when TTS

goes live.

ONLINE SHOP

The Swedish marketplace, Webgallerian.se has

agreed to be one of the Titus Coin beta testing

merchants.

Webgallerian.se have been updated and are

aiming to get 1000 online shops in their

marketplace over the next 12 months.

They have one common check-out solution for

all affiliated shops. In this check-out solution

Titus Coin will be one of the possible methods

for payments.

A letter of intent is signed and the preliminary planning for the test has commenced.

OFFLINE SHOP

Titus has agreed to start testing the use of Titus Coins as means of payment with ComFuture AB in Hudiksvall, Sweden www.comfuture.se

Comfuture is a local company in Hudiksvall, Seden, selling computers and electronics. Comfuture will be an important part of the test system testing the use of Titus Coin payment app for retailers.

http://www.comfuture.se/



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THE ARAGON RIFT

The Aragon Rift is a GPS based augmented reality game. It's based on

three important components.

1. Hunt and collect Dragons. (GPS and AR)

2. Find and collect chests and energy. (GPS and AR)

3. Feed, play and evolve the dragons.

Each week your family will get a unique quest that includes collecting

dragons, finding chests at locations and make purchase with Titus Coins.

The Aragon Rift is one of the interactive marketing tools available for affiliated merchants.

GMS

GMS is a unique combination of e-sports and cash games.

The international platform allows gamers from all over the world to use

their skills to earn money playing against worthy opponents in a way that

they can't anywhere else.

The platform is optimized for DOTA 2 and Counter-Strike: GO, and this

platform is the only platform to date that allows people to bet money on

games that are not intended to doso and ensures fair gameplay.

This is downloadable to Windows 7-10 and Mac, and every player must have a

Titus account to play and pay using TTS.

At the moment Counter-Strike: Go mode is in testing



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PROPERTY TIME SHARE BUSINESS

Titus Invest has teamed up with FRIL, a

property timeshare business that is

rolling out to participating clients over

the next year. TTS will be the coin used

by individuals who sign up to join the

timeshare club and have access to

properties across Europe initially and

then further afield. Members are asked

to pay their subscriptions in TTS.

CORPORATE STRUCTURE

Different companies are involved to complete the needed services and functions to make Titus Coin used globally and efficiently.

Titus Invest Ltd

Holding Company

Issuing the Titus Coin ICO

Malta

Titus Community

Affiliate Network

Recruiting and training members to become the global sales staff to acquire merchants for the use of

Titus Coin

Malta

VIP Coin Sparkassa

Financial Union

Controlling the EUR backing of the

Coin value. Being the link which

enables instant conversion to EUR

for merchants accepting Titus Coins

as payment

Sweden

Fennas Finance Ltd

Financial Services

Gives administrative financial

services.

Operates customer support

Secures compliance such as Anti Money Laundry and Counter

Terrorist Funding procedures.

Australia with subsidiary in

Sweden



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TITUS MANAGEMENT TEAM

Maxim Moneta: Chief Executive Officer Elena Chipkovenska: Chief Financial Officer Dr, Henning Witte: Legal Advisor Robert Jacobsson: Chief Technical Officer Angel Perez: Chief Operating Officer Jonas Lindgren: Head of Blockchain Technology Kristian Sandberg: Titus Community Director Pierre Gard: Titus Community Chief Marketing Officer Roine Gral: Head of Games Based Marketing Rodymiuk Vitaliy: Head of App Development

COMPANY DETAILS

Titus Invest Limited (Company Registration Number C 81823) is a holding company registered

in Malta holding 100% of the shares in Titus Community Limited (Company Registration

Number C 81830), Malta.

RISK FACTORS



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As the use of digital currencies have been and is, an unregulated area in the global financial world, it is to be expected that there will be more regulations introduced in the future. To be ready for new regulations, Titus has implemented Anti Money Laundry and Counter Terrorist Funding procedures according the the regulations in the European e-money directives. Furthermore because of current regulatory uncertainty and before additional information is publicly released by the Platform on the matter, green card holders of the United States or citizens or residents (tax or otherwise) of the United States of America, Singapore or China, or other U.S., Singapore Person or PRC Person, are not eligible to register as participant in the ICO or a member in the Titus Community. That limits the ability of U.S.,Singapore, PRC persons to utilize TTS and participate in the future development of the coin usage. CERTAIN RISKS RELATING TO PURCHASE, SALE AND USE OF TITUS COINS Important Note: As noted elsewhere in these Terms, the TTS are not being structured or sold as securities or any other form of investment product. Accordingly, none of the information presented in this document is intended to form the basis for any investment decision, and no specific recommendations are intended. Company expressly disclaims any and all responsibility for any direct or consequential loss or damage of any kind whatsoever arising directly or indirectly from: (i) reliance on any information contained in this document, (ii) any error, omission or inaccuracy in any such information or (iii) any action resulting from such information. By purchasing, holding and using Titus Coins, you expressly acknowledge and assume the following risks: RISK OF LOSING ACCESS TO TITUS COINS DUE TO LOSS OF PRIVATE KEY(S), CUSTODIAL ERROR OR PURCHASER ERROR A private key, or a combination of private keys, is necessary to control and dispose of Titus Coins stored in your digital wallet or vault. Accordingly, loss of requisite private key(s) associated with your digital wallet or vault storing Titus Coins will result in loss of such Titus Coins. Moreover, any third party that gains access to such private key(s), including by gaining access to login credentials of a digital wallet or vault service you use, may be able to misappropriate your Titus Coins. Any errors or malfunctions caused by or otherwise related to the digital wallet or vault you choose to receive and store Titus Coins, including your own failure to properly maintain or use such digital wallet or vault, may also result in the loss of your Titus Coins. Additionally, your failure to follow precisely the procedures set forth in this White Paper or elsewhere indicated for buying and receiving Titus Coins, including, for instance, if you provide the wrong address for receiving Titus Coins, may result in the loss of your Titus Coins. RISKS ASSOCIATED WITH THE BLOCKCHAIN PROTOCOL



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Because Titus Coins and the Platform are based on the Blockchain protocol, any malfunction, breakdown or abandonment of the Blockchain protocol may have a material adverse effect on the Platform or Titus Coins. Moreover, advances in cryptography, or technical advances such as the development of quantum computing, could present risks to Titus Coins and the Platform, including the utility of Titus Coins for obtaining Services, by rendering ineffective the cryptographic consensus mechanism that underpins the Blockchain protocol. RISK OF MINING ATTACKS As with other decentralized cryptographic tokens based on the Blockchain protocol, Titus Coins are susceptible to attacks by miners in the course of validating Titus Coins transactions on the blockchain, including, but not limited, to double-spend attacks, majority mining power attacks, and selfish-mining attacks. Any successful attacks present a risk to the Platform and Titus Coins, including, but not limited to, accurate execution and recording of transactions involving Titus Coins. RISK OF HACKING AND SECURITY WEAKNESSES Hackers or other malicious groups or organizations may attempt to interfere with the Platform or Titus Coins in a variety of ways, including, but not limited to, malware attacks, denial of service attacks, consensus-based attacks, Sybil attacks, smurfing and spoofing. Furthermore, because the Platform is based on open-source software, there is a risk that a third party or a member of the Company team may intentionally or unintentionally introduce weaknesses into the core infrastructure of the Platform, which could negatively affect the Platform and Titus Coins, including Titus Coins utility for obtaining Services. RISKS ASSOCIATED WITH MARKETS FOR TITUS COINS Titus Coins can be traded on the Exchange provided by the Company and there maybe opportunities to trade them on secondary exchanges. Even if secondary trading of Titus Coins is facilitated by third party exchanges, such exchanges may be relatively new and subject to little or no regulatory oversight, making them more susceptible to market-related risks. Furthermore, to the extent that third-parties do ascribe an external exchange value to Titus Coins (e.g., as denominated in a digital or fiat currency), such value may be extremely volatile and diminish to zero. RISK OF UNINSURED LOSSES Unlike bank accounts or accounts at some other financial institutions, Titus Coins are uninsured unless you specifically obtain private insurance to insure them. Thus, in the event of loss or loss of utility value, there is no public insurer, such as the Federal Deposit Insurance Corporation, or private insurance arranged by us, to offer recourse to you. RISKS ASSOCIATED WITH UNCERTAIN REGULATIONS AND ENFORCEMENT ACTIONS



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The regulatory status of Titus Coins and distributed ledger technology is unclear or unsettled in many jurisdictions. It is difficult to predict how or whether regulatory agencies may apply existing regulation with respect to such technology and its applications. It is likewise difficult to predict how or whether legislatures or regulatory agencies may implement changes to law and regulation affecting distributed ledger technology and its applications, including the Platform and Titus Coins. Regulatory actions could negatively impact the Platform and Titus Coins in various ways, including, for purposes of illustration only, through a determination that Titus Coins are a regulated financial instrument that requires registration or licensing. Company may cease operations in a jurisdiction in the event that regulatory actions, or changes to law or regulation, make it illegal to operate in such jurisdiction, or commercially undesirable to obtain the necessary regulatory approval(s) to operate in such jurisdiction. RISKS ARISING FROM TAXATION The tax characterization of Titus Coins is uncertain. You must seek your own tax advice in connection with purchasing Titus Coins, which may result in adverse tax consequences to you, including withholding taxes, income taxes and tax reporting requirements. RISK OF AN UNFAVORABLE FLUCTUATION OF TITUS COINS AND OTHER CURRENCY VALUE The Company team intends to use the proceeds from selling Titus Coins to fund the maintenance and development of the Platform and the business. The proceeds of the sale of Titus Coins will be denominated in TTS, and may, at our discretion, be converted into other cryptographic and fiat currencies. If the value of TTS or other currencies fluctuates unfavorably during or after the Sale Period, the Company team may not be able to fund development, or may not be able to develop or maintain the Platform in the manner that it intended. RISK OF DISSOLUTION OF THE COMPANY It is possible that, due to any number of reasons, including, but not limited to, an unfavorable fluctuation in the value of TTS (or other cryptographic and fiat currencies), decrease in Titus Coins utility, the failure of commercial relationships, or intellectual property ownership challenges, the Company may dissolve. RISKS ARISING FROM LACK OF GOVERNANCE RIGHTS Because Titus Coins confer no governance rights of any kind with respect to the Platform or Company, all decisions involving the Platform or Company will be made by Company at its sole discretion, including, but not limited to, decisions to discontinue the Platform, to sell more Titus Coins for use in the Platform, or to sell or liquidate the Company. These decisions could adversely affect the Platform and the utility of Titus Coins that you hold, including Titus Coins utility for obtaining Services. UNANTICIPATED RISKS



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Cryptographic tokens such as Titus Coins are a new and untested technology. In addition to the risks included in this Prospectus there are other risks associated with your purchase, holding and use of DDF Tokens, including those that the Company cannot anticipate. Such risks may further materialize as unanticipated variations or combinations of the risks discussed in this White Paper RISK OF LOSS OF VALUE IN THE FUND Titus Invest Ltd is establishing a fund that will hold a wide portfolio of assets which will support the underlying value of TTS. Market movements and asset valuations may fluctuate which will mean the value of the assets may be lower than the amount that has been placed in the fund.

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